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Side-by-side financial comparison of KEMPER Corp (KMPR) and MARRIOTT VACATIONS WORLDWIDE Corp (VAC). Click either name above to swap in a different company.
MARRIOTT VACATIONS WORLDWIDE Corp is the larger business by last-quarter revenue ($1.2B vs $1.1B, roughly 1.1× KEMPER Corp). KEMPER Corp runs the higher net margin — -0.7% vs -35.0%, a 34.3% gap on every dollar of revenue. On growth, MARRIOTT VACATIONS WORLDWIDE Corp posted the faster year-over-year revenue change (-0.7% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-6.0M). Over the past eight quarters, MARRIOTT VACATIONS WORLDWIDE Corp's revenue compounded faster (5.2% CAGR vs -0.5%).
Kemper Corporation is an American insurance provider with corporate headquarters located in Chicago, Illinois. With nearly $13 billion in assets, the Kemper family of companies provides insurance to individuals, families, and businesses.
Marriott Vacations Worldwide Corporation is a pure-play public timeshare company. Formerly a division of Marriott International, Marriott Vacations Worldwide was established as a separate, publicly traded entity focusing primarily on vacation ownership in November 2011. Marriott Vacations Worldwide runs more than 120 resorts with over 700,000 Owners and members in a diverse portfolio of brands under The Marriott Vacation Clubs name. Its brands include Marriott Vacation Club, The Marriott Vaca...
KMPR vs VAC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.2B |
| Net Profit | $-8.0M | $-431.0M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | -0.7% | -35.0% |
| Revenue YoY | -4.7% | -0.7% |
| Net Profit YoY | -108.2% | -962.0% |
| EPS (diluted) | $-0.03 | $-12.00 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.1B | $1.2B | ||
| Q3 25 | $1.2B | $1.2B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.1B |
| Q4 25 | $-8.0M | $-431.0M | ||
| Q3 25 | $-21.0M | $-2.0M | ||
| Q2 25 | $72.6M | $69.0M | ||
| Q1 25 | $99.7M | $56.0M | ||
| Q4 24 | $97.4M | $50.0M | ||
| Q3 24 | $73.7M | $84.0M | ||
| Q2 24 | $75.4M | $37.0M | ||
| Q1 24 | $71.3M | $47.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 11.2% | — | ||
| Q2 24 | 10.1% | — | ||
| Q1 24 | 7.6% | — |
| Q4 25 | -0.7% | -35.0% | ||
| Q3 25 | -1.7% | -0.2% | ||
| Q2 25 | 5.9% | 6.0% | ||
| Q1 25 | 8.4% | 5.0% | ||
| Q4 24 | 8.2% | 4.0% | ||
| Q3 24 | 6.3% | 6.9% | ||
| Q2 24 | 6.7% | 3.5% | ||
| Q1 24 | 6.2% | 4.2% |
| Q4 25 | $-0.03 | $-12.00 | ||
| Q3 25 | $-0.34 | $-0.07 | ||
| Q2 25 | $1.12 | $1.77 | ||
| Q1 25 | $1.54 | $1.46 | ||
| Q4 24 | $1.51 | $1.29 | ||
| Q3 24 | $1.14 | $2.12 | ||
| Q2 24 | $1.16 | $0.98 | ||
| Q1 24 | $1.10 | $1.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $406.0M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $2.0B |
| Total Assets | $12.5B | $9.8B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $406.0M | ||
| Q3 25 | $371.2M | $474.0M | ||
| Q2 25 | $407.6M | $205.0M | ||
| Q1 25 | $545.3M | $196.0M | ||
| Q4 24 | $1.0B | $197.0M | ||
| Q3 24 | $696.9M | $197.0M | ||
| Q2 24 | $539.1M | $206.0M | ||
| Q1 24 | $520.7M | $237.0M |
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.7B | $2.0B | ||
| Q3 25 | $2.7B | $2.5B | ||
| Q2 25 | $370.0M | $2.5B | ||
| Q1 25 | $366.0M | $2.4B | ||
| Q4 24 | $2.8B | $2.4B | ||
| Q3 24 | $2.8B | $2.4B | ||
| Q2 24 | $358.0M | $2.4B | ||
| Q1 24 | $2.6B | $2.4B |
| Q4 25 | $12.5B | $9.8B | ||
| Q3 25 | $12.4B | $10.1B | ||
| Q2 25 | $12.6B | $9.9B | ||
| Q1 25 | $12.5B | $9.9B | ||
| Q4 24 | $12.6B | $9.8B | ||
| Q3 24 | $12.6B | $9.7B | ||
| Q2 24 | $12.6B | $9.6B | ||
| Q1 24 | $12.6B | $9.9B |
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | — | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 3.88× | — | ||
| Q1 24 | 0.54× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $175.0M | $6.0M |
| Free Cash FlowOCF − Capex | $166.2M | $-6.0M |
| FCF MarginFCF / Revenue | 14.7% | -0.5% |
| Capex IntensityCapex / Revenue | 0.8% | 1.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-29.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $6.0M | ||
| Q3 25 | $139.9M | $62.0M | ||
| Q2 25 | $89.6M | $-48.0M | ||
| Q1 25 | $180.0M | $8.0M | ||
| Q4 24 | $175.1M | $100.0M | ||
| Q3 24 | $141.9M | $72.0M | ||
| Q2 24 | $22.9M | $30.0M | ||
| Q1 24 | $43.0M | $3.0M |
| Q4 25 | $166.2M | $-6.0M | ||
| Q3 25 | $133.4M | $51.0M | ||
| Q2 25 | $82.0M | $-68.0M | ||
| Q1 25 | $172.3M | $-6.0M | ||
| Q4 24 | $165.4M | $86.0M | ||
| Q3 24 | $131.4M | $58.0M | ||
| Q2 24 | $5.2M | $17.0M | ||
| Q1 24 | $27.7M | $-13.0M |
| Q4 25 | 14.7% | -0.5% | ||
| Q3 25 | 10.8% | 4.3% | ||
| Q2 25 | 6.7% | -5.9% | ||
| Q1 25 | 14.4% | -0.5% | ||
| Q4 24 | 13.9% | 6.9% | ||
| Q3 24 | 11.1% | 4.8% | ||
| Q2 24 | 0.5% | 1.6% | ||
| Q1 24 | 2.4% | -1.2% |
| Q4 25 | 0.8% | 1.0% | ||
| Q3 25 | 0.5% | 0.9% | ||
| Q2 25 | 0.6% | 1.7% | ||
| Q1 25 | 0.6% | 1.3% | ||
| Q4 24 | 0.8% | 1.1% | ||
| Q3 24 | 0.9% | 1.1% | ||
| Q2 24 | 1.6% | 1.2% | ||
| Q1 24 | 1.3% | 1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | -0.70× | ||
| Q1 25 | 1.81× | 0.14× | ||
| Q4 24 | 1.80× | 2.00× | ||
| Q3 24 | 1.93× | 0.86× | ||
| Q2 24 | 0.30× | 0.81× | ||
| Q1 24 | 0.60× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
VAC
| Cost Reimbursement | $467.0M | 38% |
| Time Share | $381.0M | 31% |
| Management And Exchange | $212.0M | 17% |
| Ancillary Revenues | $64.0M | 5% |
| Management Service | $55.0M | 4% |
| Service Other | $36.0M | 3% |
